There are lots of ways for you to receive "cold, hard cash": selling your unwanted gold, winning contests, selling stuff on craigslist (my preferred method of selling, by the way).
I have a question: Why is cash always cold and hard? Is there some advantage to freezing money? Does freezing money really even make it hard? You never hear about a car dealer offering you "warm, limp cash" for your trade-in. "Just send in your broken our unwanted gold in our secure envelope and turn it into room-temperature, flimsy cash!" It just doesn't roll off the tongue as well.
[Interestingly, I found this site, which explains the origin of the phrase. If the explanation given is true (it certainly sounds plausible), then I understand why cash is always cold and hard. But given its modern usage (referring to physical money and not an intangible line of credit), it no longer carries much meaning.]